We present a detailed analysis from new multi-wavelength observations of the exceptional galaxy cluster ACT-CL J0102-4915, likely the most massive, hottest, most X-ray luminous and brightest Sunyaev-Zel'dovich (SZ) effect cluster known at redshifts greater than 0.6. The Atacama Cosmology Telescope (ACT) collaboration discovered ACT-CL J0102-4915 as the most significant Sunyaev-Zeldovich (SZ) decrement in a sky survey area of 755 square degrees. Our VLT/FORS2 spectra of 89 member galaxies yield a cluster redshift, z = 0.870, and velocity dispersion, sigma(gal) +/- 1321 106 km s-1. Our Chandra observations reveal a hot and X-ray luminous system with an integrated temperature of T(X) = 14:5 +/- 0:1 keV and 0.5 2.0 keV band luminosity of L(X) = (2:19 0:11) 1045 h(exp -2)70erg s-1. We obtain several statistically consistent cluster mass estimates; using empirical mass scaling relations with velocity dispersion, X-ray Y(X) , and integrated SZ distortion, we estimate a cluster mass of M(200) = (2:16 +/- 0:32) 10(exp 15) h(exp-1) 70M compared to the Sun. We constrain the stellar content of the cluster to be less than 1% of the total mass, using Spitzer IRAC and optical imaging. The Chandra and VLT/FORS2 optical data also reveal that ACT-CL J0102-4915 is undergoing a major merger between components with a mass ratio of approximately 2 to 1. The X-ray data show significant temperature variations from a low of 6:6 +/- 0:7 keV at the merging low-entropy, high-metallicity, cool core to a high of 22 +/- 6 keV. We also see a wake in the X-ray surface brightness and deprojected gas density caused by the passage of one cluster through the other from which we estimate a merger speed of around 1300 km s(exp -1) for an assumed merger timescale of 1 Gyr. ACTCL J0102-4915 is possibly a high-redshift analog of the famous Bullet Cluster. Such a massive cluster at this redshift is rare, although consistent with the standard CDM cosmology in the lower part of its allowed mass range. Massive, high-redshift mergers like ACT-CL J0102-4915 are unlikely to be reproduced in the current generation of numerical N-body cosmological simulations.